| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.1% | +2.1 pts |
| Share growth (YoY) | +7.5% | +4.9% | +2.6 pts |
| Loan growth (YoY) | +6.9% | +5.4% | +1.5 pts |
| ROA | 0.65% | 0.71% | -0.1 pts |
| ROE | 7.5% | 6.3% | +1.2 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.17B | $998.8M | $957.9M | $102.3M | $1.9M | 0.65% | 3.88% | 1.09% | 78,378 |
| Q4 2025 | $1.16B | $982.8M | $962.7M | $100.4M | $10.0M | 0.86% | 3.71% | 1.17% | 77,957 |
| Q3 2025 | $1.13B | $958.1M | $947.6M | $96.2M | $5.8M | 0.69% | 3.71% | 0.95% | 78,123 |
| Q2 2025 | $1.13B | $965.0M | $921.4M | $93.7M | $3.2M | 0.57% | 3.57% | 0.99% | 77,885 |
| Q1 2025 | $1.09B | $929.6M | $896.1M | $91.8M | $1.4M | 0.50% | 3.57% | 1.00% | 77,364 |
| Q4 2024 | $1.04B | $881.5M | $856.5M | $90.4M | $7.6M | 0.73% | 3.55% | 1.15% | 76,476 |
| Q3 2024 | $1.03B | $869.4M | $834.3M | $89.4M | $6.4M | 0.82% | 3.54% | 0.96% | 76,546 |
| Q2 2024 | $1.02B | $854.3M | $812.0M | $87.9M | $4.2M | 0.83% | 3.50% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.71% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.96% |
| 76,188 |
Loan mix (Q1 2026): real estate $287.2M · commercial $221.6M · consumer $389.0M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 73.0% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.